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Nu Holdings Ltd. (Nubank) Financial Statements FY2021-FY2026

Nubank's income statement and balance sheet, FY2021 through FY2026Q2, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 20-F and 6-K filings and version-controlled in git. Part of… Poznámky ku knihe

Finančná pozícia

Čistá hodnota a účty, ktoré ju tvoria

Čisté imanie
Aktíva plus pasíva za posledných 12 mesiacov
13 251,721 MUSD
+1 930,159 MUSDoproti predchádzajúcemu mesiacu
Účty
Aktuálne zostatky účtov aktív a pasív

Pohyb peňazí

Mesačné príjmy a výdavky podľa kategórie účtu

jún 2026
Príjmy
jún 2026
+5 513,208 MUSD
Hlavné zdroje
Priemer najviac 3 predchádzajúcich období
—
Zobraziť všetko
Výdavky
jún 2026
-4 452,119 MUSD
Najväčšie výdavky
Priemer najviac 3 predchádzajúcich období
—
Zobraziť všetko

Nedávna aktivita

Aktivita denníka so zohľadnením zápisov

Transakcie
Najnovšie transakcie podľa aktuálnych filtrov

Príjmy vs Výdavky

Príjmy vs Výdavky
Stĺpcový graf porovnávajúci celkové príjmy a výdavky pre každý interval vo vybranom období.
Údaje podľa období
ObdobiePríjmyVýdavkyČistý zisk
2021-12-311 698,023 MUSD1 863,357 MUSD-165,334 MUSD
2022-01-310 MUSD0 MUSD0 MUSD
2022-02-280 MUSD0 MUSD0 MUSD
2022-03-310 MUSD0 MUSD0 MUSD
2022-04-300 MUSD0 MUSD0 MUSD
2022-05-310 MUSD0 MUSD0 MUSD
2022-06-300 MUSD0 MUSD0 MUSD
2022-07-310 MUSD0 MUSD0 MUSD
2022-08-310 MUSD0 MUSD0 MUSD
2022-09-300 MUSD0 MUSD0 MUSD
2022-10-310 MUSD0 MUSD0 MUSD
2022-11-300 MUSD0 MUSD0 MUSD
2022-12-314 792,231 MUSD5 156,865 MUSD-364,634 MUSD
2023-01-310 MUSD0 MUSD0 MUSD
2023-02-280 MUSD0 MUSD0 MUSD
2023-03-310 MUSD0 MUSD0 MUSD
2023-04-300 MUSD0 MUSD0 MUSD
2023-05-310 MUSD0 MUSD0 MUSD
2023-06-300 MUSD0 MUSD0 MUSD
2023-07-310 MUSD0 MUSD0 MUSD
2023-08-310 MUSD0 MUSD0 MUSD
2023-09-300 MUSD0 MUSD0 MUSD
2023-10-310 MUSD0 MUSD0 MUSD
2023-11-300 MUSD0 MUSD0 MUSD
2023-12-318 028,976 MUSD6 998,446 MUSD1 030,53 MUSD
2024-01-310 MUSD0 MUSD0 MUSD
2024-02-290 MUSD0 MUSD0 MUSD
2024-03-310 MUSD0 MUSD0 MUSD
2024-04-300 MUSD0 MUSD0 MUSD
2024-05-310 MUSD0 MUSD0 MUSD
2024-06-300 MUSD0 MUSD0 MUSD
2024-07-310 MUSD0 MUSD0 MUSD
2024-08-310 MUSD0 MUSD0 MUSD
2024-09-300 MUSD0 MUSD0 MUSD
2024-10-310 MUSD0 MUSD0 MUSD
2024-11-300 MUSD0 MUSD0 MUSD
2024-12-3111 517,075 MUSD9 544,963 MUSD1 972,112 MUSD
2025-01-310 MUSD0 MUSD0 MUSD
2025-02-280 MUSD0 MUSD0 MUSD
2025-03-310 MUSD0 MUSD0 MUSD
2025-04-300 MUSD0 MUSD0 MUSD
2025-05-310 MUSD0 MUSD0 MUSD
2025-06-300 MUSD0 MUSD0 MUSD
2025-07-310 MUSD0 MUSD0 MUSD
2025-08-310 MUSD0 MUSD0 MUSD
2025-09-300 MUSD0 MUSD0 MUSD
2025-10-310 MUSD0 MUSD0 MUSD
2025-11-300 MUSD0 MUSD0 MUSD
2025-12-3115 774,741 MUSD12 903,069 MUSD2 871,672 MUSD
2026-01-310 MUSD0 MUSD0 MUSD
2026-02-280 MUSD0 MUSD0 MUSD
2026-03-310 MUSD0 MUSD0 MUSD
2026-04-300 MUSD0 MUSD0 MUSD
2026-05-310 MUSD0 MUSD0 MUSD
2026-06-305 513,208 MUSD4 452,119 MUSD1 061,089 MUSD

Súvaha

Rozloženie aktív
Vizuálna reprezentácia zloženia Nu Holdings Ltd. (Nubank) Financial Statements FY2021-FY2026 aktív
Rozpis
ÚčetSumaPodiel na súčte absolútnych hodnôt
Assets:Current:CreditCardReceivables25 961,122 MUSD27,06 %
Assets:Current:ShortTermInvestments19 181,364 MUSD20 %
Assets:Current:Cash13 551,611 MUSD14,13 %
Assets:NonCurrent:Loans13 437,254 MUSD14,01 %
Assets:Current:CentralBankDeposits9 149,128 MUSD9,54 %
Assets:Current:CreditCardAllowance-4 466,716 MUSD4,66 %
Assets:NonCurrent:Other3 742,095 MUSD3,9 %
Assets:Current:Other2 205,7 MUSD2,3 %
Assets:NonCurrent:LoanAllowance-2 119,832 MUSD2,21 %
Ostatné2 111,688 MUSD2,2 %
Rozloženie záväzkov
Vizuálna reprezentácia zloženia Nu Holdings Ltd. (Nubank) Financial Statements FY2021-FY2026 záväzkov
Rozpis
ÚčetSumaPodiel na celku
Liabilities:NonCurrent:LongTermDebt4 682,252 MUSD6,74 %
Liabilities:Current:ShortTermDebt1 058,343 MUSD1,52 %
Liabilities:Current:PayablesToNetwork15 541,657 MUSD22,36 %
Liabilities:Current:Other2 740,424 MUSD3,94 %
Liabilities:Current:Deposits45 328,419 MUSD65,22 %
Ostatné150,598 MUSD0,22 %

Peňažný tok

Peňažný tok
Tok peňazí zo zdrojov príjmov na výdavky a investície

Načítavajú sa roly účtov…

README.md

Nu Holdings Ltd. (NU) Financial Statements in Beancount — Open Ledger

Nubank's income statement and balance sheet, FY2021 through FY2026Q2, as a public, auditable plain-text Beancount ledger — reconstructed line by line from the company's own Form 20-F and 6-K filings and version-controlled in git. Part of the Open Ledger project on beancount.io.

Browse it live: beancount.io/ledger/open_ledger/nubank

Latest analysis: Nubank Q2 2026 Earnings: The First $1B Quarter, 139M Customers and a 22.9% Net Interest Margin

Key Figures

PeriodPeriod endRevenueNet income
FY20212021-12-311,698.023-165.334
FY20222022-12-314,792.231-364.634
FY20232023-12-318,028.9761,030.53
FY20242024-12-3111,517.0751,972.112
FY20252025-12-3115,774.7412,871.672
FY2026Q22026-06-305,513.2081,061.089

Amounts in MUSD (millions of US dollars), exactly as the ledger records them.

What's Inside

PeriodFileSource
FY2021FY2021/FY2021.beanFY2022 20-F, audited FY2021 comparatives
FY2022FY2022/FY2022.beanFY2024 20-F, FY2022 income-statement comparative, Note 1(d)
FY2023FY2023/FY2023.beanFY2025 20-F, FY2023 income-statement comparative
FY2024FY2024/FY2024.beanFY2025 20-F, FY2024 comparatives
FY2025FY2025/FY2025.beanFY2025 20-F
FY2026Q2FY2026/FY2026Q2.bean6-K, unaudited interim IFRS statements

Fiscal years end December 31 (SEC CIK 0001691493). Nu Holdings reports in US dollars under IFRS; the statements are in USD thousands and converted exactly, hence the three decimals. FY2021–FY2025 come from Form 20-F annual reports and FY2026Q2 is the three months ended June 30, 2026 from the unaudited interim statements furnished on Form 6-K; there is no FY2026Q1 file. The chart is adapted for a digital bank — gross credit card receivables and loans with their expected-credit-loss allowances as separate contra accounts, plus Liabilities:Current:Deposits and Liabilities:Current:PayablesToNetwork — and Income:Revenue is IFRS total revenue (interest income plus fee and commission income).

Quick Start

bash
uvx --from beancount bean-check main.bean
uvx --from beanquery bean-query main.bean \
  "SELECT year, sum(position) WHERE account ~ '^Income:Revenue' GROUP BY year ORDER BY year"

Zero output from bean-check means the ledger is internally consistent: every
income statement sums to zero and every balance-sheet snapshot reconciles to
the filed totals. The query prints revenue by calendar year; income is a
credit, so it shows as a negative number. Open main.bean in Fava
or import it into beancount.io to explore it visually.

Methodology

  • Balance sheet — pad / balance directives assert each period-end
    figure against the filing named in that period file's source banner.
  • Income statement — one zero-sum transaction per period: Income
    negative (credit), Expenses positive (debit), with the arithmetic check in
    a comment directly above it.
  • Unit — MUSD; 5,513.208 MUSD means 5,513.208 million US dollars.
  • Additional accounts — Assets:Current:CentralBankDeposits,
    Assets:Current:CreditCardReceivables, Assets:Current:CreditCardAllowance,
    Assets:NonCurrent:Loans, Assets:NonCurrent:LoanAllowance,
    Liabilities:Current:Deposits, Liabilities:Current:PayablesToNetwork,
    Equity:NoncontrollingInterests, opened beyond the standard chart (see each
    account's open line in main.bean).

Analysis

Corrections

Found a figure that does not match the filing? Email
[email protected] with the period, the account
and the filing page. Corrections are committed with the source cited.

About Open Ledger

Open Ledger is a growing library of public-company financial statements
published as plain-text accounting at
beancount.io/ledger — git-versioned, diffable
across companies, and auditable against primary filings. Read the analysis
behind the numbers on the beancount.io blog.

Disclaimer

This ledger is an independent reconstruction of Nu Holdings Ltd.'s publicly filed
financial statements, provided for educational and informational purposes
only. It is not investment, financial, legal, tax, or accounting advice, and
is not an offer or recommendation to buy or sell any security. Beancount.io is
not affiliated with, endorsed by, or sponsored by Nu Holdings Ltd.; all trademarks
belong to their respective owners. Figures may contain errors, omissions, or
simplifications and may lag the latest filings — the company's own regulatory
filings are the authoritative source. Provided "as is" without warranty of any
kind; use at your own risk.